The National Credit Act regulates credit bureau listings. Consumers can dispute adverse listings (defaults, judgments, trace alerts) by writing to the bureau. Bureaus must investigate within 20 business days and remove unverified listings. Prescribed debt (older than 3 years, not judgment debt) cannot be re-activated by payment - a common NCR issue. NCR complaints are free.
When to hire a credit bureau & ncr disputes attorney
- A credit bureau refuses to remove an unverified listing.
- A credit provider is collecting on prescribed debt.
- You have been rejected for credit due to an inaccurate listing.
- Identity fraud has left accounts on your record.
- You want to lodge an NCR complaint about a credit provider.
What to expect
Dispute directly with the bureau first - they must investigate within 20 business days. Unresolved disputes go to NCR (free complaint). NCR decisions can be reviewed at the National Consumer Tribunal. Prescription of debt is argued by raising prescription as a defence in any enforcement action.
Typical fees
NCR complaints: free. Attorney representation: R5,000-R20,000. Tribunal reviews: R15,000-R50,000.
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